:root{--accent:#0e7490;--ink:#14181f;--body:#39414d;--muted:#667085;--line:#e4e7ec;--bg:#ffffff;--alt:#f5f7fa;--radius:12px;--head-font:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--body-font:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--head-weight:750;--hero-bg:linear-gradient(180deg,color-mix(in srgb,var(--accent) 9%,#fff) 0%,#fff 100%);--hero-ink:var(--ink);--hero-body:var(--body)}.theme-b{--bg:#fbfaf7;--alt:#f3f0e9;--line:#e5e0d5;--radius:4px;--head-font:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,"Times New Roman",serif;--head-weight:700;--hero-bg:#f3f0e9}.theme-c{--radius:18px;--head-font:"Avenir Next",Avenir,"Segoe UI","Trebuchet MS",ui-sans-serif,system-ui,sans-serif;--head-weight:800;--hero-bg:linear-gradient(135deg,#0f172a 0%,color-mix(in srgb,var(--accent) 55%,#0f172a) 100%);--hero-ink:#ffffff;--hero-body:#d7dde8}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;background:var(--bg);color:var(--body);font-family:var(--body-font);font-size:17px;line-height:1.6}.h3,h1,h2,h3{font-family:var(--head-font);color:var(--ink);font-weight:var(--head-weight);line-height:1.2;margin:0 0 .5em}h1{font-size:clamp(2rem,4.5vw,3rem);letter-spacing:-.02em}h2{font-size:clamp(1.45rem,3vw,2rem);letter-spacing:-.01em}.h3,h3{font-size:1.15rem}p{margin:0 0 1em}a{color:var(--accent)}img,svg{max-width:100%}.wrap{width:100%;max-width:1160px;margin:0 auto;padding:0 20px}.narrow{max-width:780px}.center{text-align:center}.muted{color:var(--muted)}.small{font-size:.9rem}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:10}.site-header{position:-webkit-sticky;position:sticky;top:0;z-index:5;background:color-mix(in srgb,var(--bg) 92%,transparent);-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}.header-inner{justify-content:space-between;gap:16px;min-height:66px}.brand,.header-inner{display:flex;align-items:center}.brand{gap:10px;text-decoration:none;color:var(--ink);font-family:var(--head-font);font-weight:var(--head-weight);font-size:1.02rem;line-height:1.2}.mark{width:36px;height:36px;flex:none}.nav{display:flex;align-items:center;gap:20px}.nav a{color:var(--ink);text-decoration:none;font-size:.95rem;font-weight:600}.nav a:hover{color:var(--accent)}@media (max-width:760px){.nav a:not(.btn){display:none}.brand span{font-size:.92rem}}.btn{display:inline-block;white-space:nowrap;background:var(--accent);color:#fff!important;text-decoration:none;font-weight:700;border:0;border-radius:var(--radius);padding:13px 22px;font-size:1rem;cursor:pointer;transition:filter .15s,transform .15s;font-family:inherit}.btn:hover{filter:brightness(1.08)}.btn:active{transform:translateY(1px)}.btn:disabled{opacity:.7;cursor:default}.btn-sm{padding:9px 16px;font-size:.92rem}.btn-block{width:100%}.btn-light{background:#fff}.btn-ghost,.btn-light{color:var(--accent)!important}.btn-ghost{background:transparent;border:2px solid var(--accent)}.hero{background:var(--hero-bg);padding:56px 0 64px;border-bottom:1px solid var(--line)}.hero h1{color:var(--hero-ink)}.hero .checks li,.hero .lead{color:var(--hero-body)}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;grid-gap:48px;gap:48px;align-items:start}.theme-b .hero-grid{grid-template-columns:.95fr 1.05fr}.theme-b .hero-copy{border-left:4px solid var(--accent);padding-left:24px}.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;font-weight:700;color:var(--accent);margin-bottom:12px}.theme-c .eyebrow{color:#fff;opacity:.85}.lead{font-size:1.15rem}@media (max-width:900px){.hero{padding:36px 0 44px}.hero-grid,.theme-b .hero-grid{grid-template-columns:1fr;gap:28px}}.checks{list-style:none;padding:0;margin:0 0 1em}.checks li{position:relative;padding-left:30px;margin:8px 0}.checks li:before{content:"";position:absolute;left:0;top:.3em;width:18px;height:18px;border-radius:50%;background:var(--accent);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath fill='black' d='M10 0a10 10 0 1 0 0 20 10 10 0 0 0 0-20Zm-1.2 14.2L4.6 10l1.4-1.4 2.8 2.8 5.2-5.2 1.4 1.4-6.6 6.6Z'/%3E%3C/svg%3E") center /contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath fill='black' d='M10 0a10 10 0 1 0 0 20 10 10 0 0 0 0-20Zm-1.2 14.2L4.6 10l1.4-1.4 2.8 2.8 5.2-5.2 1.4 1.4-6.6 6.6Z'/%3E%3C/svg%3E") center /contain no-repeat}.quote-form,.theme-c .hero .checks li:before{background:#fff}.quote-form{border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 12px 32px rgba(16,24,40,.08);color:var(--body)}.form-title{font-family:var(--head-font);font-weight:var(--head-weight);color:var(--ink);font-size:1.3rem;margin:0 0 4px}.form-sub{color:var(--muted);font-size:.95rem;margin-bottom:16px}.grid2{display:grid;grid-template-columns:1fr 1fr;grid-gap:12px 14px;gap:12px 14px}@media (max-width:520px){.grid2{grid-template-columns:1fr}}.quote-form label{display:block;font-size:.86rem;font-weight:600;color:var(--ink)}.quote-form label>span{display:block;margin-bottom:4px}.quote-form .full{margin-top:12px}.quote-form input,.quote-form select,.quote-form textarea{width:100%;font:inherit;font-size:1rem;padding:10px 12px;border:1px solid #cfd4dc;border-radius:calc(var(--radius) * .6);background:#fff;color:var(--ink)}.quote-form input:focus,.quote-form select:focus,.quote-form textarea:focus{outline:2px solid color-mix(in srgb,var(--accent) 45%,transparent);border-color:var(--accent)}.quote-form .consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.8rem;color:var(--muted);margin:14px 0;line-height:1.45}.quote-form .consent input{width:18px;height:18px;margin-top:2px;flex:none}.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.form-error{color:#b42318;font-size:.92rem;font-weight:600}.section{padding:64px 0}.section.alt{background:var(--alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.section-lead{max-width:760px;font-size:1.08rem}.page-head{padding:28px 0 8px}.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));grid-gap:16px;gap:16px;margin-top:24px}.card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-decoration:none;color:var(--body);transition:border-color .15s,box-shadow .15s,transform .15s}.card:hover{border-color:var(--accent);box-shadow:0 10px 24px rgba(16,24,40,.07);transform:translateY(-2px)}.theme-b .card{border-top:3px solid var(--accent)}.more{color:var(--accent);font-weight:700;font-size:.93rem;text-decoration:none}.split{display:grid;grid-template-columns:1.2fr .8fr;grid-gap:40px;gap:40px;align-items:start}@media (max-width:860px){.split{grid-template-columns:1fr}}.area-box{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}.area-list{column-count:2;padding-left:18px;margin:0 0 14px}.area-list li{margin:3px 0}.area-grid{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));grid-gap:10px;gap:10px;margin:0 0 24px}.area-grid li{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:12px 16px;font-weight:600;color:var(--ink)}.steps{list-style:none;padding:0;margin:24px 0;display:grid;grid-template-columns:repeat(3,1fr);grid-gap:20px;gap:20px}.narrow .steps{grid-template-columns:1fr}.steps li{display:flex;gap:14px;align-items:flex-start}.step-num{flex:none;width:38px;height:38px;border-radius:50%;background:var(--accent);color:#fff;display:grid;place-items:center;font-weight:800}.theme-b .step-num{border-radius:4px}@media (max-width:860px){.steps{grid-template-columns:1fr}}.faq details{border-bottom:1px solid var(--line);padding:14px 0}.faq summary{cursor:pointer;font-weight:700;color:var(--ink);font-size:1.04rem}.faq details p{margin:10px 0 0}.cta-band{background:var(--accent);padding:44px 0}.cta-band,.cta-band h2{color:#fff}.cta-band p{margin:0;opacity:.92}.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}.crumbs{font-size:.85rem;padding-top:18px}.crumbs,.crumbs a{color:var(--muted)}.content-grid{display:grid;grid-template-columns:1fr 400px;grid-gap:44px;gap:44px;align-items:start}.sticky{position:-webkit-sticky;position:sticky;top:86px}@media (max-width:960px){.content-grid{grid-template-columns:1fr}.sticky{position:static}}.prose h2{margin-top:1.4em}.prose ul{padding-left:20px}.plain{list-style:none;padding:0;margin:0}.plain li{margin:6px 0}.quote-page{display:grid;grid-template-columns:.9fr 1.1fr;grid-gap:44px;gap:44px;align-items:start}@media (max-width:900px){.quote-page{grid-template-columns:1fr}}.site-footer{background:#0f141b;color:#c3cad5;padding:48px 0 20px;margin-top:0;font-size:.93rem}.site-footer a{color:#e6eaf0;text-decoration:none}.site-footer a:hover{text-decoration:underline}.site-footer .muted{color:#98a2b3}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;grid-gap:32px;gap:32px}@media (max-width:760px){.footer-grid{grid-template-columns:1fr}}.footer-brand{color:#fff;font-family:var(--head-font);font-weight:var(--head-weight);font-size:1.1rem}.footer-head{color:#fff;font-weight:700;margin-bottom:8px}.copyright{border-top:1px solid #253041;margin-top:32px;padding-top:16px;font-size:.85rem}